Bank One, NA Mortgage Lending & HMDA Data, 2003
In 2003, Bank One, NA of Utica, MI reported 491,492 mortgage applications totaling $39.7 billion. The average application was for $80,790, and applicants reported an average income of $67,474. 34% of its applications resulted in an originated loan and 38% were denied. Its largest markets were Chicago, IL (40,021), Phoenix-Mesa, AZ (24,847) and Detroit, MI (21,164) (applications in parentheses).
| Mortgage Company & Address | Bank One, NA 45303 Van Dyke Suite 9048 Utica, MI 48317 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2003 |
| Total Number of Mortgage Applications | 491,492 |
| Total Mortgage Loan Application Amount | $39,707,748,000 |
| Average Mortgage Loan Application Amount | $80,790 |
| Highest Mortgage Loan Application Amount | $30,000,000 |
| Average Applicant Income | $67,474 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bank One, NA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago, IL | 40,021 | $ 4,308,873,000 | $ 107,665 | $ 72,000 |
| Phoenix-Mesa, AZ | 24,847 | $ 2,234,346,000 | $ 89,924 | $ 49,000 |
| Detroit, MI | 21,164 | $ 1,858,054,000 | $ 87,793 | $ 63,000 |
| Dallas, TX | 20,310 | $ 1,475,728,000 | $ 72,660 | $ 82,000 |
| Houston, TX | 17,300 | $ 1,090,992,000 | $ 63,063 | $ 80,000 |
| Indianapolis, IN | 11,401 | $ 935,258,000 | $ 82,032 | $ 64,000 |
| Fort Worth-Arlington, TX | 10,396 | $ 675,468,000 | $ 64,973 | $ 80,000 |
| Columbus, OH | 10,387 | $ 1,030,099,000 | $ 99,171 | $ 58,000 |
| New Orleans, LA | 8,109 | $ 634,856,000 | $ 78,290 | $ 60,000 |
| Cleveland-Lorain-Elyria, OH | 6,051 | $ 536,576,000 | $ 88,675 | $ 67,000 |
| Grand Rapids-Muskegon-Holland, MI | 5,701 | $ 481,908,000 | $ 84,530 | $ 55,000 |
| Dayton-Springfield, OH | 5,626 | $ 451,597,000 | $ 80,269 | $ 64,000 |
| Milwaukee-Waukesha, WI | 5,064 | $ 453,260,000 | $ 89,506 | $ 75,000 |
| Austin-San Marcos, TX | 4,863 | $ 383,078,000 | $ 78,774 | $ 77,000 |
| Oklahoma City, OK | 4,757 | $ 315,399,000 | $ 66,302 | $ 64,000 |
| Denver, CO | 4,664 | $ 459,565,000 | $ 98,534 | $ 78,000 |
| Tucson, AZ | 4,602 | $ 326,826,000 | $ 71,018 | $ 58,000 |
| Gary, IN | 4,571 | $ 330,979,000 | $ 72,408 | $ 61,000 |
| San Antonio, TX | 4,468 | $ 237,421,000 | $ 53,138 | $ 67,000 |
| Los Angeles-Long Beach, CA | 4,191 | $ 559,284,000 | $ 133,448 | $ 116,000 |
| Louisville, KY-IN | 4,050 | $ 319,169,000 | $ 78,807 | $ 65,000 |
| Philadelphia, PA-NJ | 3,892 | $ 298,169,000 | $ 76,610 | $ 75,000 |
| Cincinnati, OH-KY-IN | 3,669 | $ 348,707,000 | $ 95,041 | $ 68,000 |
| Nassau-Suffolk, NY | 3,608 | $ 313,917,000 | $ 87,005 | $ 94,000 |
| Flint, MI | 3,607 | $ 239,786,000 | $ 66,477 | $ 54,000 |
| New York, NY | 3,523 | $ 332,242,000 | $ 94,306 | $ 111,000 |
| Youngstown-Warren, OH | 3,369 | $ 233,312,000 | $ 69,252 | $ 49,000 |
| Baton Rouge, LA | 3,316 | $ 255,894,000 | $ 77,169 | $ 65,000 |
| Riverside-San Bernardino, CA | 3,125 | $ 281,272,000 | $ 90,007 | $ 92,000 |
| Akron, OH | 3,114 | $ 250,003,000 | $ 80,283 | $ 62,000 |
| Boston, MA-NH | 2,908 | $ 358,655,000 | $ 123,333 | $ 87,000 |
| Salt Lake City-Ogden, UT | 2,827 | $ 244,979,000 | $ 86,656 | $ 67,000 |
| Lexington, KY | 2,798 | $ 232,971,000 | $ 83,263 | $ 73,000 |
| Baltimore, MD | 2,549 | $ 202,638,000 | $ 79,497 | $ 94,000 |
| Atlanta, GA | 2,477 | $ 182,550,000 | $ 73,698 | $ 84,000 |
| Tulsa, OK | 2,296 | $ 162,053,000 | $ 70,580 | $ 70,000 |
| Fort Wayne, IN | 2,217 | $ 143,700,000 | $ 64,817 | $ 57,000 |
| Lafayette, LA | 2,144 | $ 135,635,000 | $ 63,262 | $ 55,000 |
| Orange County, CA | 2,123 | $ 345,033,000 | $ 162,521 | $ 122,000 |
| San Diego, CA | 2,077 | $ 318,678,000 | $ 153,431 | $ 89,000 |
| Pittsburgh, PA | 2,075 | $ 139,803,000 | $ 67,374 | $ 59,000 |
| Canton-Massillon, OH | 2,029 | $ 154,567,000 | $ 76,178 | $ 78,000 |
| Minneapolis-St. Paul, MN-WI | 1,951 | $ 142,365,000 | $ 72,970 | $ 83,000 |
| Newark, NJ | 1,934 | $ 158,731,000 | $ 82,073 | $ 88,000 |
| Rockford, IL | 1,919 | $ 153,110,000 | $ 79,786 | $ 65,000 |
| Shreveport-Bossier City, LA | 1,868 | $ 123,635,000 | $ 66,185 | $ 66,000 |
| St. Louis, MO-IL | 1,848 | $ 139,947,000 | $ 75,728 | $ 70,000 |
| Monmouth-Ocean, NJ | 1,815 | $ 138,392,000 | $ 76,249 | $ 92,000 |
| Lima, OH | 1,765 | $ 129,900,000 | $ 73,597 | $ 58,000 |
| Charleston, WV | 1,728 | $ 121,694,000 | $ 70,424 | $ 76,000 |
| Ann Arbor, MI | 1,708 | $ 182,832,000 | $ 107,044 | $ 88,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1,706 | $ 107,175,000 | $ 62,822 | $ 67,000 |
| Houma, LA | 1,624 | $ 97,519,000 | $ 60,048 | $ 49,000 |
| Beaumont-Port Arthur, TX | 1,593 | $ 87,620,000 | $ 55,003 | $ 57,000 |
| Huntington-Ashland, WV-KY-OH | 1,519 | $ 104,075,000 | $ 68,515 | $ 48,000 |
| Middlesex-Somerset-Hunterdon, NJ | 1,418 | $ 120,772,000 | $ 85,170 | $ 98,000 |
| Sacramento, CA | 1,399 | $ 112,672,000 | $ 80,537 | $ 87,000 |
| Lake Charles, LA | 1,391 | $ 87,107,000 | $ 62,621 | $ 58,000 |
| Appleton-Oshkosh-Neenah, WI | 1,384 | $ 123,845,000 | $ 89,483 | $ 65,000 |
| Las Vegas, NV-AZ | 1,342 | $ 100,254,000 | $ 74,704 | $ 75,000 |
| Oakland, CA | 1,339 | $ 182,179,000 | $ 136,056 | $ 106,000 |
| Saginaw-Bay City-Midland, MI | 1,315 | $ 93,919,000 | $ 71,421 | $ 60,000 |
| Orlando, FL | 1,307 | $ 80,627,000 | $ 61,688 | $ 66,000 |
| Colorado Springs, CO | 1,302 | $ 125,037,000 | $ 96,034 | $ 65,000 |
| Fort Lauderdale, FL | 1,261 | $ 87,156,000 | $ 69,116 | $ 80,000 |
| Hartford, CT | 1,215 | $ 83,018,000 | $ 68,327 | $ 76,000 |
| Hamilton-Middletown, OH | 1,200 | $ 113,680,000 | $ 94,733 | $ 64,000 |
| Bergen-Passaic, NJ | 1,182 | $ 101,850,000 | $ 86,167 | $ 97,000 |
| Elkhart-Goshen, IN | 1,159 | $ 87,103,000 | $ 75,153 | $ 57,000 |
| Longview-Marshall, TX | 1,133 | $ 72,753,000 | $ 64,212 | $ 63,000 |
| Providence-Fall River-Warwick, RI-MA | 1,107 | $ 105,648,000 | $ 95,436 | $ 86,000 |
| Monroe, LA | 1,098 | $ 69,214,000 | $ 63,036 | $ 54,000 |
| Kalamazoo-Battle Creek, MI | 1,094 | $ 92,781,000 | $ 84,808 | $ 67,000 |
| Seattle-Bellevue-Everett, WA | 1,092 | $ 88,193,000 | $ 80,762 | $ 82,000 |
| West Palm Beach-Boca Raton, FL | 1,083 | $ 79,195,000 | $ 73,125 | $ 82,000 |
| Odessa-Midland, TX | 1,063 | $ 49,168,000 | $ 46,253 | $ 62,000 |
| Miami, FL | 1,036 | $ 77,876,000 | $ 75,169 | $ 82,000 |
| Norfolk-Virginia Beach-Newport News, VA-NC | 1,018 | $ 59,956,000 | $ 58,895 | $ 70,000 |
| Wilmington-Newark, DE-MD | 1,003 | $ 95,327,000 | $ 95,041 | $ 48,000 |
| Fort Collins-Loveland, CO | 1,001 | $ 116,844,000 | $ 116,727 | $ 70,000 |
| Peoria-Pekin, IL | 1,000 | $ 64,354,000 | $ 64,354 | $ 80,000 |
| Springfield, IL | 974 | $ 58,161,000 | $ 59,713 | $ 57,000 |
| Lafayette, IN | 971 | $ 86,291,000 | $ 88,868 | $ 55,000 |
| Wichita Falls, TX | 942 | $ 57,304,000 | $ 60,832 | $ 59,000 |
| Mansfield, OH | 923 | $ 65,993,000 | $ 71,498 | $ 54,000 |
| Kenosha, WI | 879 | $ 67,149,000 | $ 76,392 | $ 58,000 |
| Kansas City, MO-KS | 857 | $ 57,275,000 | $ 66,831 | $ 68,000 |
| Lansing-East Lansing, MI | 855 | $ 68,919,000 | $ 80,607 | $ 64,000 |
| Benton Harbor, MI | 847 | $ 72,911,000 | $ 86,081 | $ 60,000 |
| Portland-Vancouver, OR-WA | 826 | $ 59,459,000 | $ 71,984 | $ 78,000 |
| Alexandria, LA | 824 | $ 52,141,000 | $ 63,277 | $ 73,000 |
| Boulder-Longmont, CO | 822 | $ 109,835,000 | $ 133,619 | $ 86,000 |
| Jacksonville, FL | 777 | $ 46,641,000 | $ 60,027 | $ 74,000 |
| Albany-Schenectady-Troy, NY | 776 | $ 47,482,000 | $ 61,188 | $ 74,000 |
| Bloomington, IN | 766 | $ 66,338,000 | $ 86,603 | $ 63,000 |
| Brazoria, TX | 759 | $ 50,394,000 | $ 66,395 | $ 82,000 |
| Owensboro, KY | 757 | $ 48,440,000 | $ 63,989 | $ 50,000 |
| Toledo, OH | 751 | $ 57,674,000 | $ 76,796 | $ 60,000 |
| Richmond-Petersburg, VA | 750 | $ 50,040,000 | $ 66,720 | $ 101,000 |
| Sherman-Denison, TX | 748 | $ 45,447,000 | $ 60,758 | $ 74,000 |
| San Francisco, CA | 741 | $ 136,901,000 | $ 184,751 | $ 128,000 |
| Greeley, CO | 740 | $ 69,967,000 | $ 94,550 | $ 59,000 |
| Galveston-Texas City, TX | 738 | $ 48,811,000 | $ 66,139 | $ 94,000 |
| Buffalo-Niagara Falls, NY | 731 | $ 46,331,000 | $ 63,380 | $ 59,000 |
| Yuma, AZ | 712 | $ 43,416,000 | $ 60,977 | $ 43,000 |
| Green Bay, WI | 690 | $ 58,957,000 | $ 85,444 | $ 69,000 |
| Racine, WI | 687 | $ 51,493,000 | $ 74,953 | $ 60,000 |
| McAllen-Edinburg-Mission, TX | 686 | $ 35,449,000 | $ 51,674 | $ 70,000 |
| Rochester, NY | 684 | $ 33,226,000 | $ 48,576 | $ 67,000 |
| Ventura, CA | 677 | $ 101,000,000 | $ 149,187 | $ 115,000 |
| Madison, WI | 676 | $ 68,217,000 | $ 100,912 | $ 105,000 |
| Sarasota-Bradenton, FL | 655 | $ 60,865,000 | $ 92,923 | $ 93,000 |
| San Jose, CA | 650 | $ 103,075,000 | $ 158,576 | $ 120,000 |
| Muncie, IN | 647 | $ 41,228,000 | $ 63,721 | $ 47,000 |
| Allentown-Bethlehem-Easton, PA | 628 | $ 39,465,000 | $ 62,842 | $ 68,000 |
| Janesville-Beloit, WI | 624 | $ 49,237,000 | $ 78,905 | $ 58,000 |
| Champaign-Urbana, IL | 619 | $ 43,034,000 | $ 69,521 | $ 58,000 |
| El Paso, TX | 600 | $ 30,099,000 | $ 50,165 | $ 65,000 |
| Amarillo, TX | 583 | $ 30,757,000 | $ 52,756 | $ 57,000 |
| Tyler, TX | 583 | $ 42,937,000 | $ 73,648 | $ 75,000 |
| Fresno, CA | 578 | $ 39,783,000 | $ 68,828 | $ 86,000 |
| Provo-Orem, UT | 578 | $ 51,221,000 | $ 88,617 | $ 64,000 |
| Killeen-Temple, TX | 573 | $ 32,457,000 | $ 56,643 | $ 80,000 |
| Waco, TX | 560 | $ 31,245,000 | $ 55,794 | $ 63,000 |
| Birmingham, AL | 554 | $ 32,995,000 | $ 59,557 | $ 72,000 |
| Fort Myers-Cape Coral, FL | 549 | $ 52,285,000 | $ 95,236 | $ 99,000 |
| Harrisburg-Lebanon-Carlisle, PA | 525 | $ 33,582,000 | $ 63,965 | $ 64,000 |
| South Bend, IN | 523 | $ 37,928,000 | $ 72,520 | $ 82,000 |
| Flagstaff, AZ-UT | 515 | $ 49,572,000 | $ 96,256 | $ 76,000 |
| Nashville, TN | 511 | $ 44,212,000 | $ 86,520 | $ 74,000 |
| New Haven-Meriden, CT | 508 | $ 34,455,000 | $ 67,824 | $ 79,000 |
| Albuquerque, NM | 506 | $ 32,342,000 | $ 63,916 | $ 65,000 |
| Atlantic-Cape May, NJ | 503 | $ 36,127,000 | $ 71,823 | $ 66,000 |
| Bakersfield, CA | 484 | $ 28,407,000 | $ 58,692 | $ 75,000 |
| Worcester, MA-CT | 473 | $ 37,323,000 | $ 78,906 | $ 81,000 |
| Corpus Christi, TX | 465 | $ 24,929,000 | $ 53,610 | $ 80,000 |
| Newburgh, NY-PA | 465 | $ 30,598,000 | $ 65,802 | $ 79,000 |
| Abilene, TX | 464 | $ 24,677,000 | $ 53,183 | $ 61,000 |
| Bloomington-Normal, IL | 456 | $ 33,354,000 | $ 73,144 | $ 65,000 |
| Bridgeport, CT | 447 | $ 34,326,000 | $ 76,791 | $ 90,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 447 | $ 29,436,000 | $ 65,852 | $ 62,000 |
| Wheeling, WV-OH | 434 | $ 26,477,000 | $ 61,006 | $ 63,000 |
| Syracuse, NY | 429 | $ 20,082,000 | $ 46,811 | $ 71,000 |
| Springfield, MA | 428 | $ 25,079,000 | $ 58,595 | $ 80,000 |
| Melbourne-Titusville-Palm Bay, FL | 416 | $ 23,663,000 | $ 56,882 | $ 74,000 |
| Lubbock, TX | 414 | $ 27,130,000 | $ 65,531 | $ 72,000 |
| Vallejo-Fairfield-Napa, CA | 413 | $ 39,598,000 | $ 95,878 | $ 100,000 |
| York, PA | 409 | $ 28,590,000 | $ 69,902 | $ 62,000 |
| Stockton-Lodi, CA | 398 | $ 32,935,000 | $ 82,751 | $ 84,000 |
| Little Rock-North Little Rock, AR | 390 | $ 21,545,000 | $ 55,243 | $ 84,000 |
| Wichita, KS | 386 | $ 22,574,000 | $ 58,481 | $ 65,000 |
| Daytona Beach, FL | 384 | $ 22,288,000 | $ 58,041 | $ 55,000 |
| Tacoma, WA | 363 | $ 24,626,000 | $ 67,840 | $ 71,000 |
| Trenton, NJ | 362 | $ 26,960,000 | $ 74,475 | $ 79,000 |
| Dutchess County, NY | 352 | $ 27,143,000 | $ 77,110 | $ 99,000 |
| Brockton, MA | 347 | $ 33,712,000 | $ 97,152 | $ 75,000 |
| Fort Pierce-Port St. Lucie, FL | 332 | $ 23,703,000 | $ 71,394 | $ 101,000 |
| Omaha, NE-IA | 323 | $ 18,418,000 | $ 57,021 | $ 80,000 |
| Reno, NV | 323 | $ 22,790,000 | $ 70,557 | $ 95,000 |
| Knoxville, TN | 320 | $ 24,403,000 | $ 76,259 | $ 60,000 |
| New London-Norwich, CT-RI | 319 | $ 22,000,000 | $ 68,965 | $ 80,000 |
| Naples, FL | 318 | $ 40,602,000 | $ 127,679 | $ 154,000 |
| Modesto, CA | 314 | $ 24,353,000 | $ 77,557 | $ 75,000 |
| Brownsville-Harlingen-San Benito, TX | 313 | $ 16,794,000 | $ 53,654 | $ 66,000 |
| Mobile, AL | 312 | $ 18,802,000 | $ 60,262 | $ 65,000 |
| Lakeland-Winter Haven, FL | 299 | $ 17,278,000 | $ 57,785 | $ 55,000 |
| Lancaster, PA | 294 | $ 19,224,000 | $ 65,387 | $ 93,000 |
| Memphis, TN-AR-MS | 291 | $ 17,296,000 | $ 59,436 | $ 64,000 |
| Jersey City, NJ | 289 | $ 25,624,000 | $ 88,664 | $ 85,000 |
| Steubenville-Weirton, OH-WV | 287 | $ 15,748,000 | $ 54,871 | $ 46,000 |
| Pensacola, FL | 285 | $ 18,653,000 | $ 65,449 | $ 95,000 |
| Reading, PA | 276 | $ 17,200,000 | $ 62,318 | $ 67,000 |
| Lowell, MA-NH | 267 | $ 24,662,000 | $ 92,367 | $ 74,000 |
| Biloxi-Gulfport-Pascagoula, MS | 264 | $ 18,007,000 | $ 68,208 | $ 70,000 |
| New Bedford, MA | 262 | $ 27,656,000 | $ 105,557 | $ 68,000 |
| Boise City, ID | 254 | $ 14,697,000 | $ 57,862 | $ 70,000 |
| Laredo, TX | 251 | $ 13,334,000 | $ 53,123 | $ 71,000 |
| Santa Rosa, CA | 248 | $ 30,350,000 | $ 122,379 | $ 89,000 |
| Des Moines, IA | 247 | $ 14,369,000 | $ 58,174 | $ 261,000 |
| Parkersburg-Marietta, WV-OH | 243 | $ 15,431,000 | $ 63,502 | $ 67,000 |
| Springfield, MO | 243 | $ 16,429,000 | $ 67,609 | $ 46,000 |
| Danbury, CT | 241 | $ 23,495,000 | $ 97,489 | $ 91,000 |
| Stamford-Norwalk, CT | 237 | $ 33,319,000 | $ 140,586 | $ 226,000 |
| Jackson, MI | 232 | $ 15,942,000 | $ 68,715 | $ 56,000 |
| Utica-Rome, NY | 227 | $ 10,250,000 | $ 45,154 | $ 49,000 |
| Lawrence, MA-NH | 223 | $ 20,599,000 | $ 92,372 | $ 115,000 |
| Barnstable-Yarmouth, MA | 220 | $ 24,923,000 | $ 113,286 | $ 75,000 |
| Jackson, MS | 217 | $ 12,148,000 | $ 55,981 | $ 72,000 |
| Fayetteville-Springdale-Rogers, AR | 213 | $ 11,518,000 | $ 54,075 | $ 62,000 |
| Evansville-Henderson, IN-KY | 204 | $ 14,020,000 | $ 68,725 | $ 67,000 |
| Waterbury, CT | 203 | $ 12,102,000 | $ 59,615 | $ 75,000 |
| Manchester, NH | 202 | $ 13,036,000 | $ 64,534 | $ 75,000 |
| Nashua, NH | 199 | $ 13,450,000 | $ 67,587 | $ 75,000 |
| Spokane, WA | 197 | $ 13,045,000 | $ 66,218 | $ 61,000 |
| Visalia-Tulare-Porterville, CA | 194 | $ 11,385,000 | $ 58,685 | $ 67,000 |
| Pueblo, CO | 193 | $ 13,347,000 | $ 69,155 | $ 53,000 |
| Montgomery, AL | 190 | $ 10,466,000 | $ 55,084 | $ 74,000 |
| Ocala, FL | 185 | $ 10,039,000 | $ 54,264 | $ 61,000 |
| Portland, ME | 180 | $ 11,252,000 | $ 62,511 | $ 64,000 |
| Bryan-College Station, TX | 176 | $ 10,013,000 | $ 56,892 | $ 95,000 |
| Davenport-Moline-Rock Island, IA-IL | 175 | $ 12,399,000 | $ 70,851 | $ 61,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 172 | $ 19,646,000 | $ 114,220 | $ 51,000 |
| Erie, PA | 171 | $ 10,854,000 | $ 63,473 | $ 52,000 |
| Portsmouth-Rochester, NH-ME | 171 | $ 11,784,000 | $ 68,912 | $ 92,000 |
| Santa Barbara-Santa Maria-Lompoc, CA | 168 | $ 16,559,000 | $ 98,565 | $ 89,000 |
| Huntsville, AL | 164 | $ 9,389,000 | $ 57,250 | $ 72,000 |
| Salem, OR | 164 | $ 12,213,000 | $ 74,469 | $ 86,000 |
| Olympia, WA | 163 | $ 11,362,000 | $ 69,705 | $ 65,000 |
| Salinas, CA | 163 | $ 17,619,000 | $ 108,092 | $ 94,000 |
| Bremerton, WA | 156 | $ 10,308,000 | $ 66,076 | $ 72,000 |
| Kankakee, IL | 154 | $ 9,943,000 | $ 64,564 | $ 50,000 |
| Kokomo, IN | 151 | $ 9,958,000 | $ 65,947 | $ 65,000 |
| Vineland-Millville-Bridgeton, NJ | 150 | $ 8,069,000 | $ 53,793 | $ 60,000 |
| Terre Haute, IN | 149 | $ 9,001,000 | $ 60,409 | $ 47,000 |
| Eugene-Springfield, OR | 147 | $ 11,398,000 | $ 77,537 | $ 62,000 |
| Duluth-Superior, MN-WI | 145 | $ 8,819,000 | $ 60,820 | $ 59,000 |
| San Luis Obispo-Atascadero-Paso Robles, CA | 145 | $ 15,147,000 | $ 104,462 | $ 76,000 |
| Wausau, WI | 145 | $ 10,340,000 | $ 71,310 | $ 60,000 |
| Hagerstown, MD | 142 | $ 9,187,000 | $ 64,697 | $ 65,000 |
| Johnson City-Kingsport-Bristol, TN-VA | 142 | $ 9,485,000 | $ 66,795 | $ 44,000 |
| Merced, CA | 141 | $ 10,181,000 | $ 72,205 | $ 69,000 |
| Redding, CA | 141 | $ 8,685,000 | $ 61,595 | $ 60,000 |
| Johnstown, PA | 139 | $ 7,592,000 | $ 54,618 | $ 58,000 |
| Binghamton, NY | 137 | $ 6,067,000 | $ 44,284 | $ 57,000 |
| Roanoke, VA | 136 | $ 7,533,000 | $ 55,389 | $ 63,000 |
| Dover, DE | 134 | $ 8,742,000 | $ 65,238 | $ 59,000 |
| Grand Junction, CO | 134 | $ 7,837,000 | $ 58,485 | $ 64,000 |
| Savannah, GA | 132 | $ 8,205,000 | $ 62,159 | $ 72,000 |
| Fort Walton Beach, FL | 131 | $ 8,464,000 | $ 64,610 | $ 75,000 |
| Tallahassee, FL | 127 | $ 7,193,000 | $ 56,637 | $ 74,000 |
| Macon, GA | 126 | $ 7,646,000 | $ 60,682 | $ 68,000 |
| Punta Gorda, FL | 122 | $ 10,613,000 | $ 86,991 | $ 87,000 |
| Panama City, FL | 118 | $ 7,252,000 | $ 61,457 | $ 74,000 |
| Richland-Kennewick-Pasco, WA | 117 | $ 7,596,000 | $ 64,923 | $ 64,000 |
| Chico-Paradise, CA | 116 | $ 8,092,000 | $ 69,758 | $ 59,000 |
| Lawton, OK | 113 | $ 6,072,000 | $ 53,734 | $ 55,000 |
| Sheboygan, WI | 111 | $ 7,751,000 | $ 69,828 | $ 81,000 |
| Medford-Ashland, OR | 109 | $ 6,988,000 | $ 64,110 | $ 87,000 |
| San Angelo, TX | 109 | $ 5,499,000 | $ 50,449 | $ 83,000 |
| Santa Fe, NM | 109 | $ 9,473,000 | $ 86,908 | $ 178,000 |
| Yolo, CA | 108 | $ 9,929,000 | $ 91,935 | $ 83,000 |
| Fort Smith, AR-OK | 107 | $ 5,526,000 | $ 51,644 | $ 69,000 |
| Glens Falls, NY | 105 | $ 6,323,000 | $ 60,219 | $ 51,000 |
| Eau Claire, WI | 103 | $ 6,631,000 | $ 64,378 | $ 85,000 |
| Chattanooga, TN-GA | 102 | $ 7,567,000 | $ 74,186 | $ 71,000 |
| Gainesville, FL | 102 | $ 4,975,000 | $ 48,774 | $ 72,000 |
| St. Cloud, MN | 102 | $ 7,498,000 | $ 73,509 | $ 85,000 |
| Yuba City, CA | 102 | $ 6,527,000 | $ 63,990 | $ 90,000 |
| Decatur, IL | 100 | $ 5,076,000 | $ 50,760 | $ 53,000 |
| Fitchburg-Leominster, MA | 100 | $ 7,969,000 | $ 79,690 | $ 68,000 |
| Lincoln, NE | 100 | $ 4,966,000 | $ 49,660 | $ 63,000 |
| Lynchburg, VA | 100 | $ 6,624,000 | $ 66,240 | $ 61,000 |
| Santa Cruz-Watsonville, CA | 100 | $ 12,686,000 | $ 126,860 | $ 126,000 |
| Topeka, KS | 99 | $ 5,964,000 | $ 60,242 | $ 68,000 |
| Augusta-Aiken, GA-SC | 98 | $ 5,207,000 | $ 53,132 | $ 53,000 |
| Sharon, PA | 95 | $ 6,215,000 | $ 65,421 | $ 61,000 |
| Charlottesville, VA | 94 | $ 5,966,000 | $ 63,468 | $ 67,000 |
| St. Joseph, MO | 92 | $ 5,987,000 | $ 65,076 | $ 59,000 |
| Texarkana, TX-AR | 91 | $ 4,518,000 | $ 49,648 | $ 60,000 |
| Altoona, PA | 88 | $ 4,579,000 | $ 52,034 | $ 54,000 |
| Joplin, MO | 88 | $ 5,553,000 | $ 63,102 | $ 56,000 |
| Victoria, TX | 85 | $ 3,802,000 | $ 44,729 | $ 66,000 |
| Bellingham, WA | 83 | $ 5,680,000 | $ 68,433 | $ 65,000 |
| Las Cruces, NM | 81 | $ 5,179,000 | $ 63,938 | $ 63,000 |
| Yakima, WA | 81 | $ 5,075,000 | $ 62,654 | $ 61,000 |
| Jamestown, NY | 80 | $ 3,279,000 | $ 40,987 | $ 45,000 |
| Columbia, MO | 79 | $ 5,651,000 | $ 71,531 | $ 53,000 |
| Decatur, AL | 78 | $ 3,790,000 | $ 48,589 | $ 56,000 |
| Burlington, VT | 77 | $ 5,959,000 | $ 77,389 | $ 94,000 |
| Cheyenne, WY | 74 | $ 4,102,000 | $ 55,432 | $ 67,000 |
| Sioux Falls, SD | 74 | $ 4,052,000 | $ 54,756 | $ 73,000 |
| Cedar Rapids, IA | 73 | $ 4,716,000 | $ 64,602 | $ 89,000 |
| Lewiston-Auburn, ME | 71 | $ 4,201,000 | $ 59,169 | $ 63,000 |
| Columbus, GA-AL | 70 | $ 3,999,000 | $ 57,128 | $ 58,000 |
| State College, PA | 70 | $ 5,204,000 | $ 74,342 | $ 73,000 |
| Williamsport, PA | 70 | $ 4,138,000 | $ 59,114 | $ 57,000 |
| Tuscaloosa, AL | 69 | $ 4,050,000 | $ 58,695 | $ 62,000 |
| Dothan, AL | 67 | $ 3,224,000 | $ 48,119 | $ 62,000 |
| Greensboro--Winston-Salem--High Point, NC | 67 | $ 7,732,000 | $ 115,402 | $ 55,000 |
| Greenville-Spartanburg-Anderson, SC | 67 | $ 9,992,000 | $ 149,134 | $ 51,000 |
| Enid, OK | 65 | $ 3,192,000 | $ 49,107 | $ 63,000 |
| Hattiesburg, MS | 65 | $ 3,997,000 | $ 61,492 | $ 68,000 |
| Rochester, MN | 64 | $ 3,707,000 | $ 57,921 | $ 86,000 |
| Billings, MT | 63 | $ 3,590,000 | $ 56,984 | $ 61,000 |
| Gadsden, AL | 63 | $ 3,159,000 | $ 50,142 | $ 52,000 |
| Raleigh-Durham-Chapel Hill, NC | 63 | $ 8,781,000 | $ 139,380 | $ 61,000 |
| Florence, AL | 62 | $ 3,385,000 | $ 54,596 | $ 57,000 |
| Athens, GA | 61 | $ 3,796,000 | $ 62,229 | $ 68,000 |
| Elmira, NY | 61 | $ 3,079,000 | $ 50,475 | $ 88,000 |
| Lawrence, KS | 60 | $ 4,846,000 | $ 80,766 | $ 77,000 |
| Missoula, MT | 60 | $ 4,088,000 | $ 68,133 | $ 76,000 |
| Auburn-Opelika, AL | 59 | $ 2,520,000 | $ 42,711 | $ 96,000 |
| Clarksville-Hopkinsville, TN-KY | 59 | $ 4,623,000 | $ 78,355 | $ 59,000 |
| Fargo-Moorhead, ND-MN | 59 | $ 2,917,000 | $ 49,440 | $ 64,000 |
| Anniston, AL | 53 | $ 2,796,000 | $ 52,754 | $ 59,000 |
| Great Falls, MT | 53 | $ 3,147,000 | $ 59,377 | $ 85,000 |
| Danville, VA | 52 | $ 2,906,000 | $ 55,884 | $ 61,000 |
| Rapid City, SD | 52 | $ 2,350,000 | $ 45,192 | $ 52,000 |
| La Crosse, WI-MN | 51 | $ 2,652,000 | $ 52,000 | $ 56,000 |
| Cumberland, MD-WV | 50 | $ 2,356,000 | $ 47,120 | $ 56,000 |
| Casper, WY | 46 | $ 2,271,000 | $ 49,369 | $ 60,000 |
| Bangor, ME | 44 | $ 2,303,000 | $ 52,340 | $ 54,000 |
| Iowa City, IA | 44 | $ 3,133,000 | $ 71,204 | $ 85,000 |
| Washington, DC-MD-VA-WV | 43 | $ 8,026,000 | $ 186,651 | $ 96,000 |
| Bismarck, ND | 42 | $ 2,100,000 | $ 50,000 | $ 81,000 |
| Corvallis, OR | 42 | $ 2,465,000 | $ 58,690 | $ 78,000 |
| Sioux City, IA-NE | 41 | $ 1,816,000 | $ 44,292 | $ 54,000 |
| Columbia, SC | 40 | $ 5,026,000 | $ 125,650 | $ 74,000 |
| Waterloo-Cedar Falls, IA | 40 | $ 2,393,000 | $ 59,825 | $ 77,000 |
| Pine Bluff, AR | 39 | $ 1,845,000 | $ 47,307 | $ 73,000 |
| Pittsfield, MA | 38 | $ 2,325,000 | $ 61,184 | $ 54,000 |
| Jonesboro, AR | 37 | $ 1,774,000 | $ 47,945 | $ 55,000 |
| Asheville, NC | 31 | $ 3,578,000 | $ 115,419 | $ 51,000 |
| Jackson, TN | 31 | $ 2,531,000 | $ 81,645 | $ 61,000 |
| Pocatello, ID | 31 | $ 1,789,000 | $ 57,709 | $ 92,000 |
| Charleston-North Charleston, SC | 28 | $ 5,444,000 | $ 194,428 | $ 82,000 |
| Dubuque, IA | 22 | $ 1,214,000 | $ 55,181 | $ 43,000 |
| Myrtle Beach, SC | 22 | $ 2,581,000 | $ 117,318 | $ 84,000 |
| Albany, GA | 21 | $ 927,000 | $ 44,142 | $ 65,000 |
| Grand Forks, ND-MN | 21 | $ 930,000 | $ 44,285 | $ 50,000 |
| Fayetteville, NC | 19 | $ 1,746,000 | $ 91,894 | $ 73,000 |
| Wilmington, NC | 19 | $ 2,773,000 | $ 145,947 | $ 217,000 |
| Hickory-Morganton-Lenoir, NC | 14 | $ 1,834,000 | $ 131,000 | $ 102,000 |
| Jacksonville, NC | 6 | $ 536,000 | $ 89,333 | $ 55,000 |
| Florence, SC | 5 | $ 398,000 | $ 79,600 | $ 42,000 |
| Greenville, NC | 5 | $ 448,000 | $ 89,600 | $ 48,000 |
| Anchorage, AK | 4 | $ 596,000 | $ 149,000 | $ 370,000 |
| Goldsboro, NC | 4 | $ 291,000 | $ 72,750 | $ 40,000 |
| Sumter, SC | 4 | $ 365,000 | $ 91,250 | $ 40,000 |
| Rocky Mount, NC | 3 | $ 219,000 | $ 73,000 | $ 17,000 |
| San Juan-Bayamon, PR | 1 | $ 50,000 | $ 50,000 | $ 40,000 |
Mortgage Loan Application Detail Totals for Bank One, NA in 2003
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 420,833 | $35,230,275,000 | $80,566 | $9,600,000 | $73,679 | $9,999,000 |
| Home Improvement (one-to-four family) | 49,492 | $1,866,504,000 | $38,591 | $10,000,000 | $79,653 | $9,999,000 |
| Home Purchase (one-to-four family) | 21,065 | $2,521,870,000 | $145,857 | $3,150,000 | $100,632 | $9,860,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 102 | $89,099,000 | $1,101,769 | $30,000,000 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 328,445 | $27,904,399,000 | $81,788 | $9,000,000 | $79,115 | $9,999,000 |
| Information not provided by applicant in mail or telephone application | 55,843 | $3,835,610,000 | $66,773 | $9,000,000 | $73,264 | $6,270,000 |
| Hispanic | 47,229 | $3,224,675,000 | $69,941 | $8,500,000 | $61,333 | $7,488,000 |
| Black | 40,327 | $2,707,529,000 | $75,291 | $9,600,000 | $60,104 | $9,999,000 |
| Asian or Pacific Islander | 12,840 | $1,343,839,000 | $106,823 | $2,128,000 | $80,941 | $5,761,000 |
| Other | 4,383 | $428,587,000 | $87,478 | $3,000,000 | $77,260 | $5,261,000 |
| American Indian or Alaskan Native | 2,203 | $166,507,000 | $72,708 | $10,000,000 | $69,770 | $9,999,000 |
| Not applicable | 222 | $96,602,000 | $358,105 | $30,000,000 | $74,894 | $4,689,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 487,044 | $39,241,497,000 | $78,339 | $30,000,000 | $76,226 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 3,497 | $357,024,000 | $108,421 | $842,000 | $27,421 | $826,000 |
| VA-guaranteed (Veterans Administration) | 951 | $109,227,000 | $118,090 | $288,000 | $34,727 | $290,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 185,319 | $13,287,784,000 | $72,603 | $30,000,000 | $65,509 | $9,999,000 |
| Loan Originated | 166,382 | $15,245,116,000 | $101,192 | $15,300,000 | $101,403 | $9,999,000 |
| Application Approved But Not Accepted | 123,232 | $9,100,598,000 | $70,294 | $4,480,000 | $79,274 | $9,999,000 |
| Application Withdrawn By Applicant | 7,837 | $1,121,194,000 | $131,244 | $3,150,000 | $60,142 | $2,366,000 |
| Loan Purchased By The Institution | 7,315 | $718,275,000 | $83,200 | $2,400,000 | $47,266 | $4,689,000 |
| File Closed For Incompleteness | 1,407 | $234,781,000 | $170,195 | $1,550,000 | $54,219 | $6,815,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 58,366 | $3,522,203,000 | $61,588 | $10,000,000 | $63,215 | $9,999,000 |
| Collateral | 40,578 | $2,596,994,000 | $69,098 | $9,000,000 | $76,901 | $9,999,000 |
| Debt-To-Income Ratio | 37,487 | $2,871,993,000 | $76,769 | $2,110,000 | $43,653 | $1,800,000 |
| Credit Application Incomplete | 32,818 | $2,916,439,000 | $91,020 | $9,600,000 | $74,775 | $6,798,000 |
| Other | 14,363 | $1,197,472,000 | $76,528 | $30,000,000 | $76,792 | $6,600,000 |
| Unverifiable Information | 1,502 | $144,237,000 | $93,021 | $1,000,000 | $66,319 | $1,328,000 |
| Employment History | 123 | $11,662,000 | $95,290 | $380,000 | $86,419 | $1,000,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 82 | $26,784,000 | $365,750 | $15,000,000 | $79,950 | $461,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank One, NA's 2003 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Bank One, NA's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Michigan, download the full spreadsheet
with aggregated HMDA statistics today.
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